Kodi Medicare Imaphimba Chibayo?

Zamkati

• Kuphunzira kwa Medicare kwa katemera wa chibayo
• Chigawo B kufotokozera
• Kufotokozera gawo C
• Kodi katemera wa chibayo amawononga ndalama zingati?
• Kodi katemera wa chibayo ndi chiyani?
• Chibayo ndi chiyani?
• Zizindikiro za chibayo cha pneumococcal
• Kutenga

• Katemera wa pneumococcal amatha kuthandiza kupewa mitundu ina ya matenda a chibayo.
• Malangizo aposachedwa a CDC akuwonetsa kuti anthu azaka 65 kapena kupitilira apo ayenera kulandira katemerayu.
• Medicare Part B imafikira 100% ya mitundu yonse iwiri ya katemera wa chibayo amene alipo.
• Madongosolo a Medicare Part C amayeneranso kuthana ndi katemera wa chibayo, koma malamulo amtundu wa netiweki atha kugwira ntchito.

Chibayo ndimatenda ofala okhudzana ndi mapapo amodzi kapena onse awiri. Kutupa, mafinya, ndi madzi amatha kulowa m'mapapu, zomwe zimapangitsa kuti zikhale zovuta kupuma. Malinga ndi Centers for Disease Control and Prevention (CDC), anthu amapita kuchipatala chaka chilichonse chifukwa cha chibayo.

Katemera wa pneumococcal amatha kuteteza matenda omwe amabakiteriya amapezeka Streptococcus pneumoniae. Pali mitundu iwiri ya katemera wa chibayo omwe amapezeka kuti ateteze mabakiteriya ena.

Mwamwayi, ngati muli ndi Medicare Part B kapena Part C, mudzakwiriridwa ndi mitundu yonse ya katemera wa pneumococcal.

Tiyeni tiwone bwinobwino katemera wa chibayo ndi momwe Medicare imawakhudzira.

Kuphunzira kwa Medicare kwa katemera wa chibayo

Katemera wambiri wodzitchinjiriza amapezeka pansi pa Gawo D, gawo la mankhwala lomwe mumalandira ndi Medicare. Medicare Part B imafikira katemera wambiri, monga katemera wa chibayo. Madongosolo a Medicare Advantage, omwe nthawi zina amatchedwa Gawo C, amaphatikizanso katemera wa chibayo, komanso katemera wina yemwe mungafunike.

Ngati mwalembetsa ku Medicare yoyambirira (Gawo A ndi Gawo B), kapena gawo la Gawo C, ndiye kuti ndinu oyenera kulandira katemera wa chibayo. Popeza pali mitundu iwiri ya katemera wa chibayo, inu ndi dokotala mudzasankha ngati mukufuna katemera umodzi kapena onse awiri. Tidzakhala tsatanetsatane wa mitundu iwiri yosiyanayi pambuyo pake.

Chigawo B kufotokozera

Medicare Part B imafotokoza mitundu yotsatira ya katemera:

• Katemera wa chimfine (chimfine)
• Katemera wa hepatitis B (kwa omwe ali pachiwopsezo chachikulu)
• Katemera wa pneumococcal (wa bakiteriya Streptococcus pneumoniae)
• kafumbata kuwombera (chithandizo mutatha kuwonekera)
• achiwewe kuwombera (chithandizo pambuyo poonekera)

Gawo B limalipira 80% ya ndalama zokhazokha mukapita kukapereka chithandizo chovomerezeka ndi Medicare. Komabe, kulibe mtengo wotulutsira katemera wa katemera wothandizidwa ndi Gawo B. Izi zikutanthauza kuti, mudzalipira $ 0 ya katemera, bola ngati wothandizirayo avomera gawo la Medicare.

Omwe amapereka omwe amavomereza ntchitoyi amavomereza mitengo yovomerezeka ndi Medicare, yomwe nthawi zambiri imakhala yotsika mtengo. Opereka katemera amatha kukhala madotolo kapena asayansi. Mutha kupeza wothandizidwa ndi Medicare pano.

Kufotokozera gawo C

Medicare Part C, kapena mapulani a Medicare Advantage, ndi mapulani a inshuwaransi achinsinsi omwe amapereka zabwino zofananira monga choyambirira Medicare magawo A ndi B limodzi ndi zosankha zina zowonjezera. Mwalamulo, mapulani a Medicare Advantage amafunika kuti azipereka chindapusa chofanana ndi choyambirira cha Medicare, chifukwa chake mudzalipira $ 0 ya katemera wa chibayo kudzera pamapulaniwa.

Madongosolo a Medicare Advantage amakhala ndi zoperewera zomwe zimafunikira kuti mugwiritse ntchito omwe akukuthandizani omwe ali pamakonzedwe ake. Onani mndandanda wamapulogalamu anu amtundu wa netiweki musanapange nthawi yopatsidwa katemera kuti muwonetsetse kuti ndalama zonse zilipiridwa.

Kodi katemera wa chibayo amawononga ndalama zingati?

Medicare Part B imaphimba 100% yamitengo ya katemera wa pneumococcal popanda kulipidwa kapena mtengo wina. Onetsetsani kuti wothandizira wanu avomereza gawo la Medicare asanakachezere kuti awonetsetse kuti mukufalitsa zonse.

Mtengo wa pulani ya Gawo B mu 2020 umaphatikizira ndalama zowonjezera pamwezi $ 144.60 komanso kuchotsera $ 198.

Pali malingaliro osiyanasiyana osiyanasiyana a Medicare Advantage omwe amaperekedwa ndi makampani a inshuwaransi wamba. Iliyonse imabwera ndi mtengo wosiyanasiyana. Unikani zabwino ndi mtengo wa pulani iliyonse ndi bajeti yanu ndi zosowa zanu kuti musankhe bwino pazomwe mungachite.

Kodi katemera wa chibayo ndi chiyani?

Pakadali pano pali mitundu iwiri ya katemera wa pneumococcal yemwe amakhala ndi mitundu yosiyanasiyana ya mabakiteriya (Streptococcus pneumoniae) zomwe zingayambitse chibayo. Mabakiteriya amtunduwu amakhala pachiwopsezo kwa ana aang'ono koma amathanso kukhala owopsa kwa iwo omwe ali achikulire kapena omwe asokoneza chitetezo cha mthupi.

Katemera awiriwa ndi awa:

• katemera wa pneumococcal conjugate (PCV13 kapena Prevnar 13)
• pneumococcal polysaccharide katemera (PPSV23 kapena Pneumovax 23)

Malinga ndi zomwe zapezedwa posachedwa, CDC Advisory Committee on Immunization Practices imalimbikitsa kuti anthu azaka 65 kapena kupitilira apo ayenera kuwombera Pneumovax 23.

Komabe, katemera onsewa angafunike nthawi zina pamene pamakhala chiopsezo chachikulu. Izi zitha kuphatikiza:

• ngati mumakhala kumalo osungirako okalamba kapena malo osamalira anthu kwa nthawi yayitali
• ngati mumakhala m'dera lomwe muli ana ambiri osatemera
• ngati mupita kumadera omwe muli ana ambiri opanda katemera

Nayi kufananiza pakati pa katemera yemwe alipo:

Katemera wa chibayo amatha kuteteza matenda opatsirana kuchokera kubakiteriya wa pneumococcal.

Malinga ndi, mwa akulu 65 kapena kupitilira apo, katemera wa PCV13 ali ndi mphamvu 75% ndipo katemera wa PPSV23 ali ndi mphamvu yokwanira 50% mpaka 85% poteteza anthu ku matenda a pneumococcal.

Kambiranani ndi dokotala za zoopsa zanu kuti muone ngati mukufuna PCV13 ndi PPSV23 kapena kuwombera kamodzi ndikokwanira. Gawo B liziwombera zonse ziwiri zikafunika ndikuperekedwa osachepera chaka chimodzi. Kwa anthu ambiri, kuwombera kumodzi kwa PPSV23 ndikwanira.

Zotsatira zoyipa za katemera wa pneumococcal nthawi zambiri amakhala ofatsa. Zikuphatikizapo:

• kupweteka pamalo opangira jekeseni
• kutupa
• malungo
• mutu

Chibayo ndi chiyani?

Matenda a pneumococcal omwe amayamba chifukwa cha Streptococcus pneumoniae itha kukhala yofatsa komanso yodziwika ngati matenda amakutu kapena matenda amtchire. Komabe, matendawa akamafalikira mbali zina za thupi, amatha kukhala owopsa ndipo amayambitsa chibayo, meningitis, ndi bacteremia (mabakiteriya omwe ali m'magazi).

Anthu ena ali pachiwopsezo chachikulu chotenga matenda a chibayo. Amaphatikizapo ana osaposa zaka 2, achikulire 65 kapena kupitilira, omwe ali ndi chitetezo chamthupi chofooka, komanso omwe ali ndi matenda ena monga matenda ashuga, COPD, kapena mphumu.

Chibayo chitha kufalikira mosavuta poyetsemula, kutsokomola, kugwira malo omwe ali ndi kachilomboka, komanso kukhala m'malo omwe muli matenda ambiri ngati zipatala. Malinga ndi a, achikulire m'modzi mwa achikulire 20 amamwalira ndi chibayo cha pneumococcal (matenda am'mapapo) akaipeza.

Zizindikiro za chibayo cha pneumococcal

Malinga ndi American Lung Association, zizindikiro za chibayo cha pneumococcal pneumonia zitha kuphatikizira izi:

• malungo, kuzizira, thukuta, kugwedezeka
• chifuwa
• kuvuta kupuma
• kupweteka pachifuwa
• kusowa kwa njala, nseru, ndi kusanza
• kutopa
• chisokonezo

Pitani kuchipatala nthawi yomweyo ngati zikukuvutani kupuma, milomo yabuluu kapena zala zakumaso, kupweteka pachifuwa, kutentha thupi kwambiri, kapena chifuwa chachikulu ndi ntchofu.

Pamodzi ndi katemera, mutha kuwonjezera kuyesayesa posamba m'manja pafupipafupi, kudya zakudya zopatsa thanzi, komanso kuchepetsa kupezeka kwa anthu odwala ngati kuli kotheka.

Kutenga

• Matenda a pneumococcal amapezeka ndipo amatha kuyambira wofatsa mpaka wolimba.
• Katemera wa chibayo amachepetsa chiopsezo chotenga matenda ofala a pneumococcal.
• Medicare Gawo B limapereka 100% yamitengo iwiri yonse yamatenda a chibayo.
• Lankhulani ndi dokotala ngati mukuganiza kuti muyenera kumwa katemera onse awiri. PCV13 imaperekedwa koyamba, kenako PPSV23 osachepera chaka chimodzi pambuyo pake.